Ruth Russell

3401 Saratoga Avenue

Annapolis, MD
$ 879,000 Beds 3 Baths 2.5 Sq 2,700 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome Arundel on the Bay - a water oriented lifestyle community offering access to kayaking, paddle-boarding, beach and playground. All this with close proximity to shopping, restaurants, parks and downtown Annapolis. The quiet and calm neighborhood offers an island-like feeling. And this striking 3-story home is absolutely MOVE-IN READY! Gracious and plentiful windows leave you appreciating the timeless perennial gardens, majestic trees and peeks at Fishing Creek from multiple locations. As Fall arrives the "peeks" will become relaxing and lovely views! A bright and open floorplan features architectural lines and high ceilings which enhance the home's airy, gallery-like feel. Stunning wood floors offer warmth and continue the feeling of openness. We hope you like to cook and entertain - this Kitchen makes it not only possible but inviting and engaging. Extend your morning or evening and take a step out to the private back Deck tucked in to give you an intimate feeling with a lovely pergola and hanging lights. And it is only one of three Decks. The Primary Suite is magazine worthy - morning coffee on your Deck with lovely views or an evening toast to the day. Two more very spacious Bedrooms and updated Bath complete the 2nd Floor. And then the 3d Floor is worthy of the term "RETREAT". A wall of floor to ceiling windows with a side view of Fishing Creek and views of the trees and gardens below is icing on the cake! Amazing Community Features: Magnolia Avenue Beach, Newport Avenue Community Pier, Linden Avenue Recreational Pier, Redwood Avenue launching pier/boat ramp, and playgrounds.

ACTIVE

  • Price
  • $ 879,000
  • City
  • Annapolis
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • ANNE ARUNDEL
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 0.18 Acres
  • Zip
  • 21403
  • Sqr Footage
  • 2,700
  • Year Built
  • 1989
  • Taxes
  • $ 8109
  • Style
  • Contemporary
  • MLS#
  • MDAA2157268
Listed By: Melanie A Graw with Coldwell Banker Realty - 4102638686;
Data Source: Bright MLS

Features

General

Living Area 2700
Sewer Public Sewer
Heating Heat Pump(s)
Cooling Central A/C,Ceiling Fan(s)
Possession Settlement
Zoning R2
HOA Fee 227.84
Garage Spaces 2.00
Architectural Style Contemporary
Construction Materials Frame
School District ANNE ARUNDEL COUNTY PUBLIC SCHOOLS
Exclusions See accompanied documents
Year Built 1989
Levels 3
Tax Year 2026
Ownership Fee Simple
Cool Fuel Electric
Accessibility None
Assoc Fee Paid Per Annually
County ANNE ARUNDEL
New Construction No
Property Type Residential
HOA Yes
Subdivision Name ARUNDEL ON THE BAY
Garage Y/N Yes
Water Access Y/N Yes
Other Structures Above Grade,Below Grade
Full Baths 2
Status ACTIVE
Directions Forest to Bay Ridge - Right on Arundel on the Bay Road - left at the split w/ Thomas Point - Right on Walnut - Right on Rockway - left on Saratoga
City ANNAPOLIS
Body of Water Fishing Creek Farm
Senior Community Y/N No
Lot Size Units Square Feet
Lot Size Square Feet 7813.00
Tax Assessed Value 707400.0
Tax Annual Amount 8109.0
Home Warranty Y/N No
Structure Type Detached
Condo/Coop Association fee Y/N No
Bathrooms Count Main Level 1.00
Price Per Sq Ft Total AG 325.56
Vacation Rental Y/N No
Virtual Tour https://unbranded.youriguide.com/3401_saratoga_ave_annapolis_md/
Total SQFT 2700
Standard Status Active
Year Built Source Assessor
Legal Subdivision ARUNDEL ON THE BAY
Tax Lot DR
Association Recreation Fee No

Interior Features

Heating Fuel Central,Electric
Total Fireplaces 1
Hot Water Electric
Basement (Y/N) No
Heating Y/N Yes
Fireplace Y/N Yes
Above Grade Finished Area 2700
Half Baths 1
Central Air Y/N Yes
Total Bedrooms 3
Room Type 2nd Stry Fam Rm
Below Grade Finished Area Unit Type Square Feet
LivingAreaSource Assessor
Below Grade Finished Area Source Assessor
Bedrooms Count All Upper Levels 3
Bedrooms Count Upper Level 1 3
Bathrooms Half Main Level 1
Bathrooms Full Upper Level 1 2
Bathrooms Full All Upper Levels 2
Bathrooms Count Upper Level 1 2.00
Bathrooms Count All Upper Levels 2
Above Grade Finished Area Source Assessor
Above Grade Finished Area Unit Type Square Feet
Total Baths 3

Exterior Features

Pool No Pool
Parking Features Concrete Driveway
Water Source Well
Total Parking Spaces 2
Garage Features Garage - Front Entry
Type of Parking Detached Garage
Foundation Details Crawl Space,Permanent
Water View Y/N No
Lot Size Acres 0.18
Water Body Type Creek
Lot Size Source Assessor
Waterfront Y/N No
Land Assessed Value 251400.00
Navigable Water Y/N Yes
Water Oriented Y/N Yes
# of Detached Garage Spaces 2

Room Details

2nd Stry Fam Rm Upper 2

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Owings Mills, MD office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

9/18/2026 Listed $879,000

Property vs Zip Code Average in 21403

Price
AVG $1.65M
$880K
Taxes
AVG $11,152
$8,109
Year Built
AVG 1979
1989
Visits
AVG 426
27
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

3401 Saratoga Avenue Annapolis, MD is a Single Family Home for sale at $879000 with 2700 sqft and a lot size of 0.18 Acres Acre(s). 3401 Saratoga Avenue Annapolis has 3 bedrooms, 2 baths and was built in 1989. The property's zip code is 21403 which is in Annapolis, MD

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Ruth Russell

Ruth Russell

410-404-1638

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